If you really have no fear you could make a white lie and say when I first started riding I was scared of water crossings... but my horse loved it and when I trusted her to get me through it I realized it wasnt so bad... something simple like that.
Then whatever fears she brings up offer to help her overcome them.
A situation like that might be best then you wont have to suffer shortening the trail ride and she wont have to be scared to ride back alone...
If she is just nervous in general about her horse see if you can help her in a round pen...like join up type thing that could inspire her to trust her horse a bit more when she realizes he will follow her...
One thing for sure is no one is benefiting by turning back... you guys lose trail time and she loses more and more confidence in eiter herself or her horse
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